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Thread: Obamacare: Is a $2,000 deductible 'affordable?'

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by sawyerloggingon View Post
    So you are admitting that this obamasurance is worthless unless you have a major illness.
    I didn't say anything like that. Merely saying that you pay more than you take on years that you aren't sick. That's the truth for any health insurance that you have now or after obamacare.
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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by notquiteright View Post
    ALL insurance from auto to health is 'worthless' until a major accident or major illness/injury. Then it can be priceless.
    The point is obamacare will force people off plans they had and liked, the so called Cadillac plans.
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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by roughdraft274 View Post
    I didn't say anything like that. Merely saying that you pay more than you take on years that you aren't sick. That's the truth for any health insurance that you have now or after obamacare.
    Obama care takes choice away. Some people preferred a low deductible and frequent doc visits.
    North to Alaska north the rush is on

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Erod View Post
    Obamacare: Is a $2,000 deductible 'affordable?' - Jun. 13, 2013

    So when does the "Affordable" part of the Affordable Care Act kick in? High deductibles and high co-pays were not what Obama sold us.
    Do you know what that policy would cost today?? (This "average" means absolutely nothing. Healthcare insurance premiums are based on age.) Before signing up for Illinois' subsidized ICHIP program, I paid $850 a month for a $5,200 deductible policy. The rate you've listed here looks cheap. (Illinois' subsidized ICHIP program premium is $670 a month for the same deductible.)

    Combine what I consider to be reasonable rates with the fact that people who've heretofore been unable tobuy health insurance because of pre-existing conditions, and I don't think these rates are bad at all.

    Without a comparison to "before," your "after" is meaningless.
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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    I like my 3k/year deductable + HSA plan. my Premium is about 110 a month for family coverage. I also get quarterly rebates of 150/person
    Frenchman: 'How dumb do I think the Americans are? I bet you we could sell those idiots water.'

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by sawyerloggingon View Post
    Obama care takes choice away. Some people preferred a low deductible and frequent doc visits.
    It expands choice. Do you even get how the exchanges work? It's basically an online site that you can go to, fill out your info, and all the insurance companies in your state will show you comparable plans that have the same coverage levels, along with a clear price. What that does is allow clear price comparisons and clear coverage options. You don't have that now. You have to contact every company individually, compare the coverage of random plans, and with how they word stuff you'd practically have to hire a lawyer to know what's really covered. And that's what your side doesn't get. Obama care uses common sense strategies to make the insurance companies compete for your business. Is it the absolute best option? Probably not. But it has things that make sense and will fix certain problems.
    Quote Originally Posted by ObamaIsAMarxist View Post
    im a creationist theres no evidence at all for evolution ummmm lets see heres some fosills and lets make up how old they are ummmm a trillion years or whatever oh now we have all the proof we need to say evolution is true how stupid

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by sawyerloggingon View Post
    So you are admitting that this obamasurance is worthless unless you have a major illness.
    Just what in the **** do you think your insurance does now?
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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by roughdraft274 View Post
    It expands choice. Do you even get how the exchanges work? It's basically an online site that you can go to, fill out your info, and all the insurance companies in your state will show you comparable plans that have the same coverage levels, along with a clear price. What that does is allow clear price comparisons and clear coverage options. You don't have that now. You have to contact every company individually, compare the coverage of random plans, and with how they word stuff you'd practically have to hire a lawyer to know what's really covered. And that's what your side doesn't get. Obama care uses common sense strategies to make the insurance companies compete for your business. Is it the absolute best option? Probably not. But it has things that make sense and will fix certain problems.
    This is what the self employed do today. My storyboard artist friend found that after all of the digging, the highest deductable plan made the best economic sense since it covered the catastrophic things he couldn't pay for while requiring him to pay the least on premiums and office visits.

    My wife's employer, whom the insurance is through, offers a plan comparison that allows you to enter hypothetical situations or needs( office visits, preventative care, hospital stays, cancer treatments, etc ), and no matter how we sliced it, the high deductible plan equated to the cheapest.
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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by sawyerloggingon View Post
    The point is obamacare will force people off plans they had and liked, the so called Cadillac plans.
    Huh? If the insurance companies still offer those plans, how are people being "forced" out of them?
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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by roughdraft274 View Post
    It expands choice. Do you even get how the exchanges work? It's basically an online site that you can go to, fill out your info, and all the insurance companies in your state will show you comparable plans that have the same coverage levels, along with a clear price. What that does is allow clear price comparisons and clear coverage options. You don't have that now. You have to contact every company individually, compare the coverage of random plans, and with how they word stuff you'd practically have to hire a lawyer to know what's really covered. And that's what your side doesn't get. Obama care uses common sense strategies to make the insurance companies compete for your business. Is it the absolute best option? Probably not. But it has things that make sense and will fix certain problems.
    You are limited to a couple of plans your state offers with Obama care.
    North to Alaska north the rush is on

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